Can I retire at age 35 with 510,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $510,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.6%
1 years$42,115$41,740$41,374$41,017$40,668$39,414
2 years$20,849$20,461$20,085$19,720$19,366$18,113
3 years$13,761$13,371$12,996$12,635$12,286$11,074
4 years$10,218$9,829$9,458$9,103$8,763$7,601
5 years$8,093$7,706$7,340$6,992$6,661$5,553
6 years$6,676$6,293$5,932$5,591$5,271$4,217
7 years$5,665$5,285$4,929$4,597$4,287$3,287
8 years$4,907$4,530$4,180$3,856$3,556$2,610
9 years$4,317$3,944$3,600$3,285$2,995$2,101
10 years$3,846$3,477$3,139$2,831$2,552$1,709
11 years$3,461$3,095$2,764$2,464$2,195$1,402
12 years$3,140$2,778$2,453$2,161$1,902$1,157
13 years$2,869$2,510$2,191$1,908$1,658$960
14 years$2,637$2,282$1,969$1,694$1,454$800
15 years$2,435$2,085$1,778$1,511$1,280$668
16 years$2,259$1,913$1,612$1,353$1,131$560
17 years$2,104$1,761$1,466$1,215$1,003$471
18 years$1,967$1,628$1,339$1,095$892$396
19 years$1,844$1,508$1,226$990$795$334
20 years$1,733$1,402$1,125$896$710$282
21 years$1,633$1,306$1,035$813$635$238
22 years$1,543$1,219$953$740$570$202
23 years$1,460$1,140$880$674$511$171
24 years$1,384$1,068$814$614$460$145
25 years$1,315$1,002$754$561$414$123
26 years$1,251$942$699$513$372$104
27 years$1,192$887$649$470$336$88
28 years$1,137$835$604$430$303$75
29 years$1,086$788$562$395$274$64
30 years$1,038$744$523$362$247$54
31 years$994$704$488$333$224$46
32 years$952$666$455$306$202$39
33 years$913$630$425$281$183$33
34 years$877$598$397$259$166$28
35 years$842$567$371$238$150$24
36 years$810$538$347$219$136$20
37 years$779$511$325$202$123$17
38 years$751$486$304$186$112$15
39 years$723$462$285$172$101$12
40 years$697$439$267$158$92$11
41 years$673$418$251$146$83$9
42 years$649$398$235$135$76$8
43 years$627$379$221$124$69$7
44 years$606$362$207$115$62$6
45 years$586$345$194$106$57$5
46 years$567$329$183$98$51$4
47 years$548$314$172$91$47$3
48 years$531$300$161$84$42$3
49 years$514$286$152$77$38$2
50 years$498$273$143$71$35$2

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $510,000, adding $6,712 every year, while hoping to spend $20,502 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 53/37/10 Blend
34$510,000$510,000$510,000$510,000
35$568,943$541,913$534,008$597,297
36$605,162$546,653$530,084$622,055
37$644,387$550,938$525,340$646,190
38$686,905$554,724$519,729$671,966
39$733,028$557,965$513,199$699,543
40$783,102$560,610$505,696$729,097
41$837,505$562,607$497,164$760,824
42$896,655$563,899$487,544$794,939
43$961,011$564,427$476,773$831,681
44$1,031,077$564,127$464,788$871,313
45$1,107,409$562,932$451,521$914,127
46$1,190,619$560,769$436,901$960,445
47$1,281,379$557,564$420,855$1,010,623
48$1,380,431$553,235$403,304$1,065,054
49$1,488,588$547,698$384,168$1,124,173
50$1,606,750$540,860$363,363$1,188,459
51$1,735,902$532,627$340,800$1,258,445
52$1,877,135$522,896$316,387$1,334,716
53$2,031,644$511,559$290,028$1,417,920
54$2,200,750$498,503$261,622$1,508,772
55$2,385,903$483,607$231,063$1,608,063
56$2,588,703$466,741$198,241$1,716,666
57$2,810,911$447,772$163,043$1,835,545
58$3,054,466$426,555$125,347$1,965,765
59$3,321,505$402,939$85,029$2,108,501
60$3,614,379$376,764$41,958$2,265,053
61$3,935,679$347,860$0$2,436,852
62$4,288,261$316,047$0$2,625,910
63$4,675,267$281,136$0$2,838,352
64$5,100,159$242,927$0$3,071,641
65$5,566,754$201,209$0$3,327,922
66$6,079,251$155,757$0$3,609,563
67$6,642,282$106,336$0$3,919,177
68$7,260,944$52,696$0$4,259,643
69$7,940,856$0$0$4,634,142
70$8,688,207$0$0$5,048,389
71$9,509,815$0$0$5,527,438
72$10,413,193$0$0$6,054,218
73$11,406,616$0$0$6,633,564
74$12,499,204$0$0$7,270,801
75$13,701,004$0$0$7,971,795
76$15,023,083$0$0$8,743,010
77$16,477,638$0$0$9,591,570
78$18,078,108$0$0$10,525,321
79$19,839,298$0$0$11,552,910
80$21,777,521$0$0$12,683,864
81$23,910,754$0$0$13,928,681
82$26,258,802$0$0$15,298,928
83$28,843,489$0$0$16,807,350
84$31,688,863$0$0$18,467,991
85$34,821,419$0$0$20,296,326
86$38,270,356$0$0$22,309,405
87$42,067,844$0$0$24,526,019
88$46,249,335$0$0$26,966,870
89$50,853,890$0$0$29,654,773
90$55,924,555$0$0$32,614,867
91$61,508,760$0$0$35,874,852
92$67,658,770$0$0$39,465,254
93$74,432,180$0$0$43,419,708
94$81,892,451$0$0$47,775,280
95$90,109,519$0$0$52,572,813
96$99,160,444$0$0$57,857,315
97$109,130,147$0$0$63,678,382
98$120,112,201$0$0$70,090,666
99$132,209,726$0$0$77,154,391
100$145,536,349$0$0$84,935,921